HDFC Regalia First Credit Card

Step into the world of luxury with the HDFC Bank Regalia First Credit Card. The joining fee is Rs.1,000 and is waived if you open a current or savings account with the bank within 90 days or if you charge a minimum of Rs.30,000 to your card within the first 90 days of card approval. Post the first year, the annual fee you will have to pay is Rs.1,000. Don’t worry since this fee is waived with a minimum spend of Rs.1 lakh within 12 months or if you open a current or savings account for the same amount. If you are wondering what the interest rate is, well you are charged 3.49% per month, which is 41.88% p.a.

Key Highlights of Regalia First Credit Card

Free airport lounge access at both local and international destinations.

Travel Benefits Offered by Regalia First Credit Card

Free Priority Pass membership.

Complimentary access to domestic and international and international lounges.

Free travel insurance that covers air accidents and emergency hospitalisation in foreign locations.

Features and Benefits

Welcome gift: You can earn 1,000 reward points as welcome benefit and 1,000 points as renewal benefit once the applicable fee is paid.

Annual spending benefits: Spend Rs.3 lakh or more in a year and earn 5,000 reward points. Earn 7,500 reward points by spending Rs.6 lakh in a year.

Complimentary lounge access: Avail complimentary membership to Priority Pass Program which provides preferential access to more than 1,000 airport lounges across the globe.

Enjoy 3 free visits to priority pass lounges outside India in a calendar year. You need to apply for priority pass membership after completing at least 4 transactions in the last 60 days.

For lounge visits within India, cardholders can utilise the Visa/MasterCard Lounge Access Program offered on the card. The program provides 8 free lounge visits in a calendar year to the primary cardholder.

Travel insurance: Avail comprehensive insurance coverage against several risks. A compensation of Rs.50 lakh will be provided to your nominated kin in the event of an air accident.

In case, there is a medical emergency in a foreign country, you can avail Rs.10 lakh as medical emergency protection cost. In addition to it, the card offers credit liability cover of up to Rs.5 lakh.

Annual fee waiver: Spend Rs.1 lakh in first 12 months and become eligible for renewal fee waiver for the next membership year.

Exclusive dining offers: Under HDFC Bank's - Good Food Trial programme, you can enjoy exclusive dining privileges that provide up to 40% discount on dining bills spent at partner restaurants in your city.

Visit HDFC's 'Good Food Trial' page, select your cuisine, city, and offer type to find the list of partner restaurants in your city. You will also find related discounts and offers on the same page.

Low foreign currency mark-up fee: On all the foreign currency spends using the card, you can enjoy the lowest mark-up fee of 2%.

Reward Points Benefits on HDFC Regalia First Credit Card

The accrued reward points can be redeemed for air tickets or hotel bookings made through www.hdfcbankregalia.com. (1 RP = Rs.0.30).

You can also redeem the points for attractive gifts listed in the bank's exclusive rewards catalogue.

Also, convert reward points into air miles of domestic and international airlines.

How To Redeem Reward Points On Regalia First Credit Card?

HDFC Regalia First Credit Card provides two options to redeem the reward points.

Redeem reward points for flight and hotel bookings

Redeem rewards points for gifts on rewards catalogue.

How To Redeem Reward Points For Flight And Hotel Bookings?

Reward points earned on HDFC Regalia First Credit Card can be redeemed instantly for air ticket booking and hotel bookings on Regalia website. Each reward point can be exchanged for 30 paise. Follow the steps mentioned below to redeem Regalia reward points.

Visit hdfcbankregalia.myrewardz.com

Search for a flight or hotel on a select date.

Fill the other details and Select Regalia First Card

Make your booking with your reward points and pay the remaining, if any, with your card.

How To Redeem Reward Points For Gifts?

Rewards points accrued on your Regalia First Credit Card can also be redeemed for exciting gifts available on HDFC's exclusive rewards catalogue. Below are the steps to redeem reward points online using HDFC net banking account.

Login to your HDFC credit card net banking account.

Select 'Redeem Reward Points' option.

Select your credit card and click on 'Continue'

Go to 'Online Redemption > Redeem Reward Points'

Select points range and item category to find the gifts

Now select the product and add it to the cart

Click on 'Redeem' to confirm the redemption.

Upon successful redemption, the selected gift will be delivered to your registered mailing address. Make a note of the 'Redemption Order Number' to track the delivery.

Credit Card Limit on Regalia First Credit Card

The credit limit on HDFC Regalia First Credit Card might vary for each applicant. Hence, the bank will determine the credit limit, as well as cash limit on the card, separately for each applicant and the same will be communicated at the time of card delivery.

Once the card is issued, you can find the total credit limit, available credit limit and the cash limit on the card in your monthly credit card statement or in your HDFC credit card net banking account.

Also, the bank reviews the cardholder's account periodically and based on the card usage and other criteria can decide to either decrease or increase the credit limit on the card. Any change in the credit limit would be communicated to the cardholder by SMS or e-mail.

You can also apply for credit limit enhancement on your Regalia First Credit Card by sending a written request to the bank along with the latest income documents.

However, credit limit increase requests would be entertained only after using the card for a certain period as stipulated by the bank. The final decision to approve the request for credit limit enhancement is completely at the bank's discretion.

Latest Credit Card Offers on HDFC Regalia First Credit Card

Travel offer - Get up to Rs.1,000 instant discount on flights and hotel bookings made on Goibibo. Use promo code 'GOHDFC' to avail the offer before it expires on 30 June 2019.

Dining offer - Get Rs.100 off or 20% off on your first Swiggy order. Use coupon code 'SWMASTER100' to avail the benefit before 30 April 2019.

Grocery offer - Avail Rs.250 instant discount on a minimum order of Rs.1,500 on Grofers.com Use promo code 'HDFC250' to avail the offer before 30 June 2019. Shop between 1st and 7th of every month to get the discount.

You will be redirected to an online web form, where you need to fill the mandatory details and click on 'Submit'

Once HDFC receives your application, they will contact you through a phone call or SMS on your registered mobile number. If you're eligible to apply for the card, the application process will be informed to you over the call and you can follow the same to apply for Regalia First Credit Card.

Apply on BankBazaar

Alternatively, you can also apply through BankBazaar and enjoy the exclusive partner offers.

Does the HDFC Regalia First credit card offer free lounge access under the MasterCard program, or is it only available under Visa?

The Regalia First Credit Card comes in both Visa and MasterCard variants.

No matter which variant you possess, you would get 8 complimentary lounge visits per calendar year under the Visa/MasterCard Credit Card Lounge program.

However, there would be a slight difference in the list of lounges covered under VISA lounge program and MasterCard lounge program. You can find the list on the HDFC Regalia First Credit Card page.

What is the annual charge of Regalia First credit card?

The annual fee or the renewal fee of the Regalia First Credit Card is Rs.1,000. But if you spend Rs.1 lakh in a year, the fee for that year would be waived. Thus, you can enjoy a life-time free credit card by spending minimum Rs.1 lakh every year.

You can check the status of your credit card application on the bank website. Go to www.hdfcbank.com/personal/credit_card/cc_track and enter either the application reference number (16 digits) or application form number or date of birth and your registered mobile phone number and click on 'Submit'.

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Credit Card
Reviews

I am using the HDFC REGALIA FIRST CREDIT CARD for more than four years and i am satisfied with the services provided by them. I am satisfied with the credit limit with this card and it has some added benefits like 10% cash back on e-commerce portals. There is also some annual charges with this card.

I have not used HDFC card often but I think, the processing of getting the credit card is much easier than others, got it in a week time. I got a HDFC REGALIA FIRST and its a life time free credit card. The credit limit is sufficient and the payment mode is easy.

I don't like HDFC credit card because offers are not good. I have applied for HDFC REGALIA FIRST CREDIT CARD and received the same but am not satisfied. The credit limit is fine. I have used the card for a month and have not found any additional benefits. There is no annual charges.

I hold HDFC Regalia first credit card and its been almost 7 to 8 years. There is Reward points, previously I was using Titanium card and it has an option for redeeming the points into cash but in this card it can be converted only as vouchers. Its a life time free credit card. They approached me for a credit limit, I was not interested that time and later I like to enhance have been reaching them but could not make it. I believe its 2L.

I have applied for HDFC Bank Credit card through Online ,This card is useful for Travelling purpose lounge access reward points for air travel ,This credit card for first year it is free and from 2ndyear onwards it is chargeable .The credit limit was good ,cc on time without any details ,agent gave all details when i tried to generate the pin unable to get and then called customer care and got the pin .While submitting documents no issues ,submitted the documents to bank agent.

The process in getting my HDFC REGALIA FIRST CREDIT CARD has been simple, i also satisfied with the credit limit with the card. The card has some good features and the annual charges with card will get waved off. It would have been good if they had a mobile application and if they had send the statement and bill via mail.

I have been using HDFC credit card. I got an offer based on my requirement. Its a life time free credit card, I received a card within 7-10 working days. Based on the transactions I used to get reward points, for e commerce shopping like amazon and flipkart I get discounts.The customer service was good.

I am an existing customer of this HDFC BANK so i have taken this card. The documentation process was simple and easy, i got the card within 1 week. The credit limit is good, it is a payable but wavier off option is there with this card. I am getting offers with the E-commerce sites.

this card rewards point offer but I did not using much more in this card , because I have this card only two month this is chargeable 500 rupees annual card, I am satisfied with this bank, I am satisfied with credit limit their customer service is good and response at a time ,

I took my HDFC bank credit card this is chargeable card , I am satisfied with credit limit and their customer service is good and response is also good , and here rewards point offer available , I did not use much more still recently I got this credit card ,

The process in getting my HDFC BANK REGALIA FIRST CREDIT CARD has been pretty much simple and there hasnt been any delay in getting the card as well. I am satisfied with the credit limit with this card and they had also explained me about the benefits and the features with this card. There is some annual charges with this card which will get waved off as per the usage.

I am using the HDFC BANK REGALIA FIRST CREDIT CARD for the last one year where i am pretty much happy in using this card. There are many good benefits with the card like airport launch access, discounts on flight tickets, movie ticket offers and other benefits as well. It is a life time free card with a good credit limit.

HDFC BANK is best and they basically understand the customer concern. They are providing feasible interest rate. My first credit card issued by them and am using it for past thirteen years. The credit limit is highest on REGALIA FIRST CARD. Its a life time free credit card.

I have taken a HDFC REGALIA CARD i am using this card more than 8 years.This is the best reward card and shopping purpose also i can use this card.Credit limit is sufficient the limit was Rs. 120000.Customer service is very very good in HDFC BANK.

am using with hdfc bank for credit card. I got the loan amount after 8 to 15 days after approval . I am satisfied with hdfc credit card limit and this is life time free card but no more then offer in my credit card only cash back offer in my card but I am happy with hdfc bank credit card .

The process was smooth and easy. The interest rate was decent as per the market price. Inorder to resolve issues, I need to call them 3 to 4 times to connect with the appropriate person. I have taken HDFC Regalia First credit card with the good credit limit. They do charge annual fee.

I am using this credit card for the last four years and the services of them has been quite good so far. They had given me with a credit limit of 75,000 and there has also been some good benefits with this card as well. It is a life time free card where i am using it for all sort of purposes as well.

I have got all the details about the credit card for my Regalia First Credit card from HDFC. The things which I'm dealing with HDFC I'm very much satisfied with it. As per the market standards, they are charging the interest rates and other charges. They are very response and they have clarity on their part.

I had chosen to go with this card since my reimbursement can be done with this card. The process in getting this card has been fine and they had given me with a credit limit of 85,000 which could have been quite sufficient. But they never had intimated me about the due dates of the bill and i was also unaware of the bill generation dates where they had made some charges for the late payment which was way more higher. I suggests that they should be intimating about the due dates one or two days prior.

I am using HDFC credit card for one year. The redeemption process was not good because I have to pay nominal fee. I have HDFC Regalia First card and the credit limit was sufficient. There is an annual fee but it will be waived off according to the transactions. The best thing is they are giving lot of offers on e-commerce site. Also they give instant cash back offers.